Usa Benefits Group in Miami, FL with Reviews - YP.com
Book appointments, post photos, and write reviews.Open in YP App
10/06/2017
By: Julio M.
Dash Construction Consultants
Had Andy visit after setting up appointment with Joelene they are amazing. Andy has forgotten more about construction than most people know. I had some issues with poor quilty work from a contractor thru my Insurance company Andy was able to walk me through the process and real world expectations he was able to go the extra mile in piecing the work and what could have been done better and provide feedback to insurance.
09/16/2017
By: Frank B.
Enterprise
(Ada's enterprise)The worst place you can go to for insurance. Over charged and you're guaranteed to get a better quote else where. The owner literally pretends to be holy with undeniably bad intentions. Save yourself the money, time & headache.La peor agencia de seguro. Cobran mas que otras agencias. La dueña es una serpiente con malas intensiones. No bote su tiempo o dinero.
09/05/2017
By: Tiffany C.
Enterprise
This place is so ghetto! I saw a man beat the crap out of his wife in front of everybody inside.Yo vi un hombre caerle a golpe a su esposa en este lugar. Como permiten eso, este lugar es un asco.
07/23/2017
By: Julio S.
Granada Insurance
Worst customer service. Claims adjuster Iraida Alonso does not return calls. The payment check of estimated costs of repair to my vehicle was shorted by more than $500 from the actual repair bill. Do not spend your time on this company. They will take your premium and do nothing much else.
07/21/2017
By: Saul S.
American Quality Assurance Group
This company was a great find for me they help me to lower my home insurance significantly and the insurance agent Aurelio was very knowledgeable and has also help me out my investments I highly recommended this company.
user avatar
07/12/2017
By: Yuny V.
Estrella Insurance - #105
Magnífico servicio al cliente y profesionalismo. Especialmente Mariela, es super profesional y atenta. Siempre estoy muy satisfecho con su ayuda y servicio que brinda.
07/05/2017
By: Happy G.
AlHambra Insurance
Cuando uno piensa en Alhambra Insurance sabemos que con cofianza alli encontraremos lo que necesitamos. Calidad en el Servicio, Los Mejores Precios y Amor Sincero por los Clientes. Eso es lo que hace de Alhambra ser diferente de otras Agencias. Por favor sientase libre de visitarlos y no se arrepentira. Estaran listos para ayudarles !!!!
07/04/2017
By: Raphael A.
Estrella Insurance - Bird
Best price for auto insurance. The staff is very professional and explain all options. Great hours of operation to provide excellent service
07/04/2017
By: Jusmila G.
Estrella Insurance - #105
Best prices around. Beyond phenomenal customer service , staff friendly totally recommend for all insurance needs. My favorite insurance agency by far
07/03/2017
By: Alexei S.
Estrella Insurance - #105
En esta oficina encontre el precio con el que ni me atrevia a sonar, gracias a mi agente Lucy por ayudarme
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

Just a moment...